Constantine created his Save Your Home Plan of Action, fought back with confidence and Saved the family home!!! You can too. A Special Education teacher who lives to help children fought with Wells Fargo for over a year, was declined for HAMP and almost gave up on his home, until he created his Save Your Home Plan of Action and became his own best advocate.

Meet the Liston Family. I wanted to let you know Chase called said they postponed our foreclosure indefinitely!!!!!!!!!!! And would see our loan mod through!!!!!!!! We want to thank you Anna for all that you have done for us. When this is all over, we want people to know what a blessing you are. Jim Liston

Comments

I have been unemployed since March, 2009. I am 62 years of age. I am still collecting unemployment however have also had to go into my 401 K which is dwindling down fast.

I started Social Security last month which amounts to $1229.00 per month which certainly helps along with the unemployment.

My Mortgage is through US Bank at 6.5% with WHEDA. I have been told by US Bank they are unable to help me with the Modified Mortgage program due to the WHEDA RULES. What makes WHEDA so speical? Is this true.

My payments are $1132.00 per month. The only outstanding loan I have is a car payment at $260.25 per month and the balance is around $4900.00. My HomeOwners Association dues are $148.00 per month. Taxes are around $3000.00 per year and Insurance is approximately $250.00 per year.

Madison – Free legal advice is available to Wisconsin residents who are facing foreclosure, thanks to $150,000 in grant assistance from the National Foreclosure Mitigation Counseling program (NFMCP). The grant, which provides services from attorneys at Legal Aid Society of Milwaukee and Lakelaw in Kenosha, was applied for by the Wisconsin Housing and Economic Development Authority (WHEDA®).

Legal services provided by these organizations include initial consultation, budget and loan modification parameters, analysis of loan documents and submission of loan modification requests through the Attorney Portal. WHEDA, who is responsible for managing and administering the NFMCP funds, is reimbursing the two legal organizations for counsel to keep troubled homeowners from losing their homes.

“We at WHEDA are eager to leverage federal grant dollars to get homeowners much needed legal help that they might not otherwise have been able to afford. The more homeowners that receive help the better the chance we have to stabilize neighborhoods affected by foreclosure,” said WHEDA Executive Director Antonio Riley. “While Wisconsin has been fortunate in that it has not been as deeply impacted by the foreclosure crisis as other parts of the country, we know that there are many challenged neighborhoods that need help.”

Call them right away and stay on it – email the Executive Director if you have to. Ask the Holy Spirit to guide you.

I tell you the truth, if you have faith as small as a mustard seed, you can say to this mountain, ‘Move from here to there’ and it will move.
Jesus
Matthew 17:20

Hello Ann,
We are currently under review for hamp loan modification. They denied us in May 10 with inaccurate npv values, inaccurate income figures. As such Aurora Loans submitted an appeal. They incorrectly denied us on Oct. 5, 10 stating we did not submit paperwork timely, however their letter gave us until oct. 14th to submit paperwork. they’ve admitted their mistake, however this set into motion a setting of the date for trustee sale, which was scheduled for Nov. 17th. We are told this is postponed, but are very scared. i’m wondering if you can help us determine our NPV values??? Any suggestions. or advise. Not sure what to do.

Just got off the phone with the lender (OneWest-INDYMAC). They told me I was disqualified due to inability to verify income. My employer does not give me pay stubs. The checks are hand written “old School”. I provided them with all the information they requested the first time with the help of a HUD counselor back in October 09. I made two trial period payments and when I attempted to make the third payment, they told me for the first time that my modification had been declined due to inability to verify my income. Had some medical issues after that causing some delays and now flash forward to today. I was just told that since I had been denied HAMP back in January I was no longer eligible?! What? I asked why and I was not given a real answer, just a smoke screen answer.

I resubmitted another package in early September. I called a week later and was told that I needed another letter from my employer not only verifying my gross and net income, but provinding “to date” information. I provided that but in the mail a few days later I received a letter stating that I was denied again due to “inability to verify income” again. Now What Do I Do? I am getting paid, I am paying my taxes, I have good W2′s and I cannot get a succinct answer from the bank on what they need to verify my income. HELP!

Per HAMP guidelines if you want them to use non-borrower occupants the income is verified the same way as a borrower, with paystubs. Otherwise if you are receiving rent from them then you can use a rental agreement and back it up with copies of cancelled rent checks, and some lenders will accept a contribution letter.

”There’s magic going on in the mortgage modification sector… Anna Cuevas’s TheLoanModGuru.com is nothing short of amazing!”
Anna has simplified a very complex process, with comprehensive, easy-to-use software at her website, http://www.theloanmodguru.com. She also has a Blog there to answer questions in depth, which is, in itself a learning experience.
For a small fee, anyone can put together a strong comprehensive mortgage modification application. Anna’s web-based software system is based on her extensive industry background and knowledge.. It’s simple to use and generates a complete comprehensive set of docs that speak the bank’s language.
Anna’s system makes it simple and easy, both from the homeowners’ perspective as well as the bank’s. It’s challenging enough to convince your bank that reducing your mortgage is in their best interest.. Anna’s system has done just that – Ira – Washington DC

Hello Anna,
I used your web site HAMP calculator yesterday and I must tell you that I am so impressed. After researching many different avenues to pursue saving our home, including getting wrong information from a government HAMP counselor, waiting on the phone for hours, and passing on expensive offers that seemed a bit too snake oilish, I invested in using your program. Wow, what a fabulous resource at a reasonable price. Your site was easy to use and extremely comprehensive. Now I feel confident that I’m putting our best foot forward and that we have a shot at working this out. Thank you, thank you, thank you. This is an awesome contribution! I recommend your web site enthusiastically and hope everyone will have the opportunity to use it.
Cathy, Los Angeles, CA

We had been working with a law firm on a HAMP modification with Citi and suddenly it was sold to Veriquest Financial. All of a sudden we got a NOD, and the firm stopped returning our calls and so I called Veriquest only to find out the firm had not submitted our application for HAMP. We am now doing this on our own & have submitted all the paperwork. Meanwhile just got mail Veriquest sold mortgage to LSF7 NPV Trust — after less than 6 mos. but when I called Veriquest, we were told they are still the servicer so mod still in progress. There are many non profit, like NACA, HUD agencies……….should we get help from them, or doing our own would get the same results. We don’t trust anyone anymore.

Also, any recommendations on how we can get our money back from the law firm? We filed a complaint with the state attorney general’s office and wrote a demand letter already. Thanks

What a mess huh with all the back and forth with servicers it is so confusing for homeowners to keep up…I think that if you really fill yourself with the accurate information and are prepared for the fight that you can do it yourself. Even if you go to any agency know your stuff first because NO ONE cares more than YOU about your home … (except for me of course

You could report the lawyer to the BAR – I would issue a 2nd demand with a cc: to the state Bar. I hope this helps!!

“Ask and it will be given to you; seek and you will find; knock and the door will be opened to you.

After HomeEq folded our loan supposedly got “sold” to Statebridge, LLC who claim to be a speical servicer for troubled loans. We did a HAMP application only to be told that “they don’t participate with HAMP.” However, they took bailout money. I don’t think they are a servicer at all – I think they are more like a debt buyer – who purchase badloans from banks and other lenders who want to get them off their books for cents on the dollar and then continue with the forecloure process. We’ve been fighting this for over 2 years. We recently did an application for a loan mod with trial payments for three months only to be denied. The never actually gave us a reason for the denial – it went something like this “the montly deficiency is more than the investors allow.” We asked them – what does that mean? Who are the investors? When you say monthly deficiency do you mean the trial amount we were paying or our income? NEVER GOT AN ANSWER. Now what?

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A Save Your Home Plan of Action - EMPOWERS YOU TO SAVE YOUR HOME
AVOID PAYING THOUSANDS OF DOLLARS to save your home
Be empowered TODAY - START MOD NOW
Avoid uncertainty and fear
Understand and know what the bank will see BEFORE submitting
then confidently submit your fully customized and
complete and detailed loan modification package